Kodi overdraft?

Masiku ano aliyense malamulo kapena munthu wachibadwa ayenera kuona kuti overdraft. Ndipotu chida ndalama chimagwiritsidwa ntchito zisakuyenda bwino.

Choncho, overdraft ndi mawonekedwe akubwereketsa yochepa chikhalidwe. Kumene, kuti kasitomala malonda banki pamaso pa utumiki oterowo ndi mwayi waukulu, makamaka pa nthawi ya kusowa zosakhalitsa ndalama. Mu moyo pali zinthu zosiyanasiyana. Mwachitsanzo, pamene ankatha kuwerengetsera counterparty mwachangu kapena kupeza malipiro mlungu umodzi wokha, ndipo malire a ndalama akhala wotopa. Ndiye munthuyo ndi chidwi chenicheni kuti overdrafts ndi momwe kuti izo.

Aliyense banki ali ndi ufulu kuti asankhe mawu awo ndi zinthu zimene ziyenera anatsatira yopemphera kwa chilolezo wosiririka. Koma malamulo zofunika ndi izi:

• pamaso pa chaka kuposa wina wa kuntchito;
• kupezeka kwa chomveka macheke wotuluka nkhani zimene ankachita mu miyezi sikisi lomaliza (chomveka miyezi itatu);
• kwa mwezi umodzi ayenera kukhala osachepera chimaposa 12 kuti chiwerengero;
• pakalibe mangawa pa zikalata malipiro kuperekedwa kwa banki Mwachitsanzo, malamulo kapena zofuna za malamulo.

Bank wantchito limatiuza mwatsatanetsatane zimene overdraft, ndipo kwathunthu kuulula ndondomeko kukonzekera ndi kubwerera. Ngati inu akwaniritsa zofunikira pamwamba, ndiye inu mukhoza kuyamba kusonkhanitsa phukusi la zolemba. Akuti ntchito kuvomerezedwa potipatsa ntchito zogwirizana. Munthu ayenera kubweretsa umboni wa ntchito, nawonso kufufuzidwa ngongole wake mbiri, pamaso pa ngongole, ngongole zina, ndi zina zotero.

Overdraft kwa mabungwe alamulo kupeza mosavuta, magombe ali ololera kulowa mu mgwirizano ndi iwo, monga phindu kuchokera amachita adzakhala kuposa pa ngongole kwapatsidwa kwa munthu. kampaniyo transmits maneno banki za chuma, pepala bwino ndi zikalata zina zimene zimasonyeza solvency kampani.

Musaiwale kuti overdraft izi m'njira yopapatiza. Zitenga wina kuchuluka kwa ndalama ngongole ku banki malonda. Ndipo pamene inu kupereka ngongole iliyonse, kuwonjezera kuchuluka yaikulu anapereka kupezeka chidwi monga mphoto chifukwa chiopsezo. Choncho, kusangalala iliyonse kulipira, ndi kufunika kubwerera ngongole m'njira yake. Ngati Kaya chifukwa makasitomala anachedwa malipiro, ndodo mokoma kukumbutsidwa tsiku chifukwa cha malipiro ndi foni. Ngati akuchedwa kuposa nthawi preset, banki ya anapatsa chilango.

Conventionally overdraft akhoza kugawidwa mu mitundu iwiri:

• alola;
• osathetsedwa.

Yoyambirira odziwikiratu ndipo limatanthauza kuti wobwereka walandira chilolezo asanayambe kulandira ndalama owonjezera malire. Pakati pa overdraft analola kuonetsetsa patsogolo, luso ndi pansi kutolera ndalama. Cholinga cha pasadakhale imatengedwa kuonjezera chiwerengero cha mitundu ya chandamale omvera wa banki inayake. Luso overdraft kukongoza ndi wotetezedwa ndi malipiro anaphedwa ndi kasitomala. Fomu "pansi kutolera ndalama" amaganiza kuti kasitomala yokha akupereka ambiri ndalama.

mtundu wosaloleka amapezeka ndi chifuniro cha banki, wobwereka uli mu njira afika chofunika kuchuluka kwa ndalama. Koma mu nkhani iyi pa chiopsezo kasitomala, ngati chikhazikitso ngongole zambiri amagwiritsa dongosolo mwachilungamo okhwima a ndalama chilango.

mawonekedwe ngongole n'kopindulitsa udindo wobwereka, monga lili ndi ubwino kwambiri kwa iye. Mwachitsanzo, chiwongola dzanja, poyerekeza ndi ena, otsika ndi ranges ku 10% 20%. Komanso, kasitomala amatha nthawi yomweyo kupeza chofunika kuchuluka kwa ndalama popanda kutsatira mwambo ena. Dziwani mbali ina yofunika: sikutanthauza ina ndi okwanira wa chitsimikizo.